• English
  • Hindi
  • Bengali
  • Marathi
  • Telugu
  • Tamil
  • Gujarati
  • Kannada
  • Odia
  • Malayalam
  • Punjabi

Financial Inclusion Network and Operations (FINO)

The Financial Inclusion Network and Operations (FINO) is a company that collects and manages cash. Customers of Mahindra Finance can pay their loan EMIs at any FINO branch near them, thanks to their large network.

FINO Feature & Benefits

Safe and secure

Easy access to make payments

Search nearby branch as per your location

Steps to make payment

Step 1

Mahindra customer visits FINO merchant point with Loan Contract Number to make Loan payment.


Step 2

FINO Merchant enters the contract number provided by the customer and verifies the details.


Step 3

Customer handovers the cash to FINO merchant.


Step 4

The customer receives an OTP message with the account details and on verification of the details, the customer shares the OTP with the FINO Merchant for authentication.


Step 5

Upon successful transaction, the customer receives a confirmation message with a transaction ID which can be verified with the nearest Mahindra Finance bank, if required.

Click Here To Find Nearest FINO Branch


Frequently Asked Questions

Find the information you need quickly and easily with our comprehensive list of frequently asked questions.

How can I find the nearest Fino cash points?

1. Fino has a functionality which will enable your customers or agents to locate the nearest Fino merchant within their pin code through SMS or can access the link.

2. Online Utility:https://finoemi.latlong.in/

3. Offline/SMS Utility:The process for messaging through SMS is as follows:

a) SMS “finoemi ” to 90088900883b.

b) Senders will receive available merchants names and mobile numbers via SMS for that pincode.

c) The sender (customer) can call the merchant to determine the exact location and can visit any of the merchants to deposit the EMI.

d) Note : it is advised to call merchant before visiting the merchant point.

What is the minimum and maximum amount accepted at Fino Cash points?

Minimum amount is Rs. 1 and maximum is Rs. 49,999

What details must payer provide at Fino banking point?

Loan Contract No. to be shared by the customer to Fino Merchant to identify the payment.

How will I get OTP?

OTP will be sent on mobile no. provided to the merchant. Check if the amount deposited is matching with the amount mentioned in OTP. If not ask the merchant to re-initiate the transaction.

How will I know if cash is successfully deposited?

1. Transaction confirmation SMS will be sent to the mobile no. provided to merchant for deposition

2. Depositor can also request for the printout of receipt at the Fino point if printer facility is available at merchant point.

What denominations are accepted at the Fino point?

All legally accepted Indian currencies are accepted.

Can payer get confirmation of the payment?

  • Payer will get confirmation message on mobile number provided during the payment.
  • Payer can request for the printout of receipt at the Fino point if required/available.

What is the process for deposition?

1. Mahindra customer will visit the Fino merchant point with Loan Contract Number for making Mahindra Loan Payment.

2. Fino Merchant will enter the contract number provided by the payer and verifies the details.

3. The payer will then handover the cash for the amount to the Fino merchant.

4. Fino merchant will count cash and check for fake notes. Fake notes will be excluded and the amount will be entered.

5. The payer will receive an OTP SMS with his account details.

6. The OTP to be shared to Fino merchant by the payer if the details are correct in the SMS ,If the details are incorrect, then the payer to ask the Fino merchant to cancel the transaction and re-initiate the transaction.

7. Once transaction is successful, the depositor will receive a confirmation message with transaction ID which can be verified with the nearest Mahindra branch if required.

When can I get the confirmation of payment made at Fino point?

Once successful transaction SMS is received with the transaction ID, then payment is successful. If the amount is not reflected on the Mahindra account, the payer can visit the nearest Mahindra branch with the transaction ID provided in the SMS.

Best Practices For Making Payments


  • Download the official ‘Mahindra Finance’ App from Play Store/App Store
  • Always pay your EMIs through the mentioned Digital/Physical payment modes
  • Ensure that you get a receipt/e-receipt post making your EMI payment
  • Connect with us on our Toll Free Number – 1800-233-1234 in case if you need any clarification


  • Do not download the App by clicking on a link sent by any individual or unknown entity to you.
  • Make payments only to the Mahindra Finance account and not to any individual/employee account.
  • Do not share your personal details like Pan Card Number, Aadhar Number, KYC/Loan details with anyone other than Company’s authorized personnel.

Make convenient payments through any FINO branch near you with Mahindra Finance!